The ACK card
3–4% APY on your balance. 0.5–1% back on purchases. $0 fees.
The ACK card is a Visa/Mastercard debit card that accepts any currency or stablecoin, with 0% FX markup anywhere in the world. Digital or physical — your choice.
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What you get
- $0 card feeNo issuing, monthly or annual fee
- 3–4% APYAnnual interest on your entire balance, every day
- 0.5–1% cashbackOn everything you buy
- No minimumsNo minimum balance. No minimum spend.
- 0% foreign-exchange markupYou pay the network’s wholesale rate. ACK adds nothing.
- $0 ATM markup from ACKAny ATM in the world. You pay only the ATM owner’s fee, if any. ACK adds no cost.
- Fund it your wayDollars, stablecoin or any currency
- Spend anywhereAny country, any currency
- Tap to payApple Pay, Google Wallet and Samsung Wallet. Or tap the contactless card.
Tools
- APY calculatorHow much would your balance earn at 3–4%?
- Compound interest calculatorDaily compounding, monthly deposits, year by year.
- Savings calculatorHow long to reach your goal at 3–4% APY.
- FX markup calculatorWhat does your card charge you abroad?
- Currency converterToday’s reference rate, and what a 3% card markup costs.